ok, this is an area where I actually know something! I sold and spec'ed hardwood for a custom shop before my mommy-life. The information you are getting here is correct. Engineered floors will give you 1-2 refinishings ON A PERFECT SUBFLOOR. One of the issues that sometimes arises if there are inconsistanies in the height of your subfloor. Because there is thinner wood wearlayer (before you get to the engineered wood) there is the chance that you can damage the floor irreparably when you sand it. Now I only saw this saw this happen twice, once on a loft job and once in an older home. The loft was more subtle as it was over concrete, the old house more obvious as they were DIYers and picked engineered flooring to try to negate their irregular subfloor (they neglected to tell us that that was why they chose engineered, we would have talked them out of it had we seen the floor first) Neither of their claims to the manufacturer were fully settled because both times they did not follow the guidelines for floor prep. The loft job was also a materials only job for us with their GC laying the floors but he insisted he knew what he was doing. A good engineered floor will not be cheaper than most of your nail down options because the production costs are higher. Now having said that, GOOD engineered floors certainly have their place in places where you can't put traditional hardwood due to height restrictions or concrete subfloors. My boss had a great engineered floor in his basement and it survived a flood remarkably well (it was ash, Kahrs brand out of Scandinavia and one of the beefier engineered floors and one of the pioneers) My Grandmother also had a Kahrs floor in her ground suite condo and she LOVED it and I was impressed by the milling. I'm considering it for our basement because it's warmer and less echo-y than laminate There has been a lot of 2nd rate engineered flooring coming out of China and being labeled for all sorts of different companies. You should be able to tell an engineered sample because the layers are sandwiched together and the tongue will be a different wood than the top (showing) layer. Distressed finishes are usually more expensive because of the extra step in manufacturing to make it distressed. That is different than just getting a lower grade of hardwood like a rustic or tavern grade (in solid hardwood). Those grades have more character but they often don't carry a warranty and generally have a higher waste percentage. Another thing to think about---if you ever have to replace part of the floor, you will always be able to replicate 3/4" thick hardwood but engineered floors are more like tile, they change and get discontinued over the years. You could go pre-finished, save the hassle of site finishing but with the thicker wear-layer a 3/4" nail down floor offers. Only you will know if you can handle beveling or not. The changes in milling the last 10 years are huge. The bevel in your better milled wood is tiny. I like Canadian mills, Model or Mirage for pre-finished. Remember that if you ever re-finish, the bevel will disappear and you will, essentially have a site finished floor. One benefit that many people don't know about? With a prefinished tongue and grooved floor you can have a good installer cut out a single board (or more) from your floor if it gets damaged which is why we did a fair bit of pre-finished in new homes since inevitably we would get call-backs at move in to repair trade damage (@#$%^ plumbers and their big wrenches!). Prefinished hardwood deals the best with shinkage and expansion issues because the finish is on individual boards. Site finished floors are more labor intensive but the materials are cheaper (apples to apples). They are what many people consider the gold standard however there are more steps and you don't always know how it's going to look until it's done. There is more chance of finish contamination and trade damage during the rest of the building process. We refinished 100 year old floors. I loved the idea that there wasn't 4 generations of carpet and crap in the landfill. Definitely a forever floor and it can usually be re-sanded for all but the very worst water damage (think entire house under water for a few days) If you are going with a wide plank, keep in mind your species and humidity level (and your ability to keep humidity stable). The wider the plank (with 3/4" thick flooring), the more obvious shrinking and expanding will be. If you take a 2" wide board and it shrinks 2%, it isn't very noticeable. If you take a 6" wide board and it shrinks 2% the gaping will be more noticeable and in the case of a site finished floor *could* pull your finish apart. You'll need to find a flooring contractor in your area with lots of experience. Most of the best hardwood shops ONLY do hardwood. Beware of carpet shops and many of the big box stores in many instances. Make sure they are accredited with the NWFA (national wood flooring association) http://www.nwfa.org/member/ good luck!

Definitely choose wood. Vinyls are great, however, for resale value, wood is the absolute best ROI especially for the main living areas. You can choose an engineered or solid- whichever makes most sense. We are able to provide engineered HW that can be sanded and refinished just as many times as solid. If the wear and tear is something you are worried about, consider choose a floor that has a reclaimed look with a strong grain pattern and saw markings that can hide many of the scratches and discrepancies that will happen over time. If that specific design isn't your style, consider a light color floor. Oiled floors are a decent choice because fixing superficial scratches are relatively easy. Oaks are good because of their graining and if kept a light color- will be able to disguise many of the scratches. You can ALWAYS sand and refinish your floors a few years down the line if needed. Plus, when you go to sell and the floors have been lived on- they can be sanded and finished for the new buyer. A vinyl floor will need to be replaced. Hardwood is more expensive at the moment, but they actually end up paying for themselves years down the line with the proper care and maintenance. Or you can choose wood in the dining and great room and a tile in the kitchen. SJ McCarthy has a good recommendation for hickory and oak. Another option is Character Maple(make sure it is hard maple). If you really want to be bold- go for Brazilian Pecan. :)

I'm a fan of Hickory. Love it! I love it's STRONG variation! Yep. Variation is the word that can be used for Hickory. If you are going for "mid-tone" then it means the Hickory is stained. No problem. That's fine. Hickory takes a stain very nicely. But it will still have plenty of variation. The stain will even that out a little bit, but not entirely. The finish is UV cured urethane. I'm not very excited about that finish. If you are going for factory finish, you will want to work with the TOUGHEST finishes on the market (that's why you go with factory finished...for the TOUGH finish). The UV cured urethane is a ho-hum type of finish. Average would be the best way to describe it. The thickness of the plank is 3/4" = normal for sold. The plank width is 5" with random lengths UPTO 60" (5ft). That tells me there will be many planks in the 3' - 4' range. Again, this is ho-hum average. And with a wide plank product, it will need "glue assist". And Hickory certainly needs it because it has a bit more movement (less stable) than white oak. And then there is the "low gloss" format. The low-gloss finish on this depth of colour = nightmare to live with. It will show dust, etc as well as oily foot prints, sock prints, paw prints and will look hazy at certain times during the day. The "haze" is part of the chemical make up of the finish itself = that's how they take away the gloss...they haze it with a chemical additive. The haze goes away when you sand and refinish the floor. That's the only way to fix it. If you must have a mid-tone floor, I would recommend a TOUGHER finish (aluminum oxide or ceramic infused polyurethane) in a satin. Satin is FAR MORE livable. It offers a lovely glow without being shiny. It hides skin oils (like paw prints from dogs) because it is the same gloss level as skin oils....it isn't hazy....you get the idea.

As others have posted, have you attempted to negotiate with insurance. I have had friends with similar issues in terms of insurance initially only offering to cover costs for a small part of a relatively open floor plan area. Have you read anything about what to look for in hardwood flooring? Is there a reason you want a pre-finished floor. Theoretically you could contact a flooring expert and they could perhaps advise you on what you might purchase to match the flooring that won't be paid for by insurance. For example, theoretically you could have the same species finished on site to match/blend with the flooring that isn't removed. However, I am not sure if $6 or $7 per square foot is a reasonable cost especially in terms of what pricing for wood is now. Who has supplied you with the amount you will be compensated for. At the very least you need to have estimates for replacement flooring submitted. I would be surprised if you could replace your current flooring in today's market for that price for wood and installation. I remodeled and had wood floors installed in 2018. My floors are a moderately good engineered wood from Mirage Floors. They are not a premium style or species but they are of the minimum quality that I wanted to go with in terms of wear layer and finish. My floors in 20018 (select quality oak which was their higher grade of oak with a nicer grain) was $8 per square foot WITHOUT installation. By the time my floors were actually installed the cost with installation was $18.00 per square foot - granted my installation was expensive since I needed self leveling layer, plus plywood plus cork for soundproofing as required in my building but installation is still going to be an amount that is in addition to the cost of the wood. And as I wrote, all construction costs have soared since 2018 so I would imagine the cost of my floors would be well over $18 at this point.